Best companies for SEK/EUR transfers
4 of 4 providers Last updated on 28 October 2026
Based on 80,000 SEK transfer Best companies for SEK/EUR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee 325,99 kr 1 SEK = 0.0903 EUR -0.03% vs mid-market	Recipient gets €7,193.85 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Monaco with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer 325,99 kr1 SEK = 0.0903 EUR €7,193.85You pay80 000,00 kr
Promoted Xe Pay via Debit card	Fee 0,00 kr 1 SEK = 0.0891 EUR +1.30% vs mid-market	Recipient gets €7,128.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Monaco with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.0891 EUR €7,128.00You pay80 000,00 kr
Run a live search Showing top Sweden to Monaco deals for 80,000 SEK. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live SEK to EUR rates.
Run a live search These companies offer multi-currency accounts for spending EUR. We suggest doing a live search based on how much SEK you're planning to spend in Monaco.
Run a live search These are managed services with real human support for large SEK transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee 0,00 kr 1 SEK = 0.0900 EUR +0.27% vs mid-market	Recipient gets €7,201.78 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Monaco with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.0900 EUR €7,201.78You pay80 000,00 kr
Wise Pay via Bank transfer	Fee 325,99 kr 1 SEK = 0.0903 EUR -0.03% vs mid-market	Recipient gets €7,193.85 Within minutes
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Monaco with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer 325,99 kr1 SEK = 0.0903 EUR €7,193.85You pay80 000,00 kr
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee 700,00 kr 1 SEK = 0.0900 EUR +0.30% vs mid-market	Recipient gets €7,140.12 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Monaco with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes 700,00 kr1 SEK = 0.0900 EUR €7,140.12You pay80 000,00 kr
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
Xe Pay via Debit card	Fee 0,00 kr 1 SEK = 0.0891 EUR +1.30% vs mid-market	Recipient gets €7,128.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Monaco with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.0891 EUR €7,128.00You pay80 000,00 kr

Xe Pay via Bank transfer	Fee 0,00 kr 1 SEK = 0.0891 EUR +1.30% vs mid-market	Recipient gets €7,128.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Monaco with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.0891 EUR €7,128.00You pay80 000,00 kr
Xe Pay via Credit card	Fee 0,00 kr 1 SEK = 0.0891 EUR +1.30% vs mid-market	Recipient gets €7,128.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Monaco with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.0891 EUR €7,128.00You pay80 000,00 kr
Wise Pay via Debit card	Fee 1 189,46 kr 1 SEK = 0.0903 EUR -0.03% vs mid-market	Recipient gets €7,115.88 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Monaco with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer 1 189,46 kr1 SEK = 0.0903 EUR €7,115.88You pay80 000,00 kr
Wise Pay via Credit card	Fee 1 352,18 kr 1 SEK = 0.0903 EUR -0.03% vs mid-market	Recipient gets €7,101.19 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Monaco with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer 1 352,18 kr1 SEK = 0.0903 EUR €7,101.19You pay80 000,00 kr
How Our Results Work Mid-market rate: 1 SEK = 0.0903 EUR Updates every 60 minutes.

Why compare

SEK/EUR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Sweden to Monaco

Pick a company

For a one-off SEK transfer to Monaco, I suggest picking the cheapest option which is Regency FX.

Regency FX was the cheapest on 26 of the 26 days it quoted kr80,000 transfers to Monaco.

On a 80,000 SEK transfer, Regency FX delivers the most EUR.

The best option will change depending on how much you actually send, so I suggest to get the best SEK/EUR rate.

Fund your transfer

You can pay for the transfer using bank transfer, debit card, and credit card.

A transfer from your Swedish bank is usually the easiest way to fund the transfer.

Verify and send

Before you can send money to Monaco, you'll need to verify your account.

Most companies do it with BankID.

If you can't get BankID yet, some companies will take a passport instead (but it's less common).

Compare amounts

How much SEK are you sending to Monaco?

How much SEK you send to Monaco heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Regency FX was the cheapest in 100% of the transfers from SEK 50,000 it quoted, and in 100% of all the transfers it quoted.


5 000 kr	0.46%	0,00 kr	€449.67with bank transfer to bank deposit	+€4.73
10 000 kr	0.31%	0,00 kr	€900.43with bank transfer to bank deposit	+€10.07
25 000 kr	0.00%	106,88 kr	€2,248.10with bank transfer to bank deposit	+€22.91
50 000 kr	0.01%	206,48 kr	€4,496.70with bank transfer to bank deposit	+€41.93
80 000 krThis page	0.27%	0,00 kr	€7,201.78with bank transfer to bank deposit	+€59.68

Mid-market rate: 1 SEK = 0.0903 EUR

SEK/EUR Exchange Rate History

Is today a good time to send money from Sweden to Monaco?

The cheapest way to send SEK to EUR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 80,000 SEK transfers to Monaco.

Each line shows what the recipient gets when you send 80 000 kr, after fees, as quoted by each company. The mid-market line shows what 80 000 kr converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more EUR per SEK than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of EUR on every transfer from Sweden.

Right now, Regency FX pays 7,201.78 EUR on 80,000 SEK, which is 19.5 EUR less than the mid-market amount.

Today's payout is the highest in the past month.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Monaco.

We've tracked 92 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

Regency FXAppeared in 26 comparisons
Cheapest every time
WiseAppeared in 91 comparisons
Cheapest in 51% of them
RevolutAppeared in 81 comparisons
Cheapest in 25% of them

Based on 92 comparisons across 5 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Wise (today's second cheapest) was the cheapest in 51% of its comparisons, so if you send money to Monaco regularly, it's worth comparing it with Regency FX before each transfer.

Ways to send money from Sweden to Monaco

4 companies send money from Sweden to Monaco, mostly through app, broker, online, multi-currency account, and global account, and a few more ways.

Medium-sized transfers

Online transfers

For a one-off transfer to Monaco, an online service like Wise is usually the simplest place to start.

Wise charges kr325.99 to send 80,000 SEK, leaving your recipient with 7,193.85 EUR after a -0.04% markup on SEK/EUR exchange rate.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Regular SEK transfers

Money transfer apps

For smaller regular transfers, apps are the most convenient and easiest way to send money to Monaco.

Wise charges kr325.99 on a 80,000 SEK transfer and money will arrive in same day.

Over the past month, Wise was the cheapest app on 100% of the days it appeared for kr80,000 transfers.

Your recipient can withdraw via bank deposit.

In many cases you will need a BankID to verify your account, but a few will do with a passport or driver's licence.

Spending and travelling

Multi-currency accounts

A multi-currency account makes sense if you regularly need EUR.

You can convert your kronor in advance and use the balance when needed without extra fees.

Wise converts SEK 80,000 with a -0.04% exchange-rate markup and holds the EUR in your account.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Paying from business accounts

Global accounts

If your business receives and sends money in Monaco, a global account keeps the EUR in one place.

You can pay invoices from the balance and convert when needed.

WorldFirst and Airwallex are good options to try.

Ways to fund SEK and receive EUR in Monaco

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 80,000 SEK gives your recipient 7,201.78 EUR.

From Sweden, you can fund the transfer by bank transfer, debit card, and credit card, and in Monaco, the recipient can use bank deposit.

Paying from your Swedish bank account

Send SEK using the account and reference shown by the money transfer company.

You may need to use BankID to approve and verify the payment.

Swish is useful for payments within Sweden, but it does not send EUR to Monaco.

1

Bank transfer Bank deposit

You pay kr80,000.00

€7,202

Cheapest
2

Debit card Bank deposit

You pay kr80,000.00

€7,128

-€74
3

Credit card Bank deposit

You pay kr80,000.00

€7,128

-€74

Consider this before sending SEK to Monaco

Swedish banks are safe but often expensive for foreign payments. Compare money transfer companies available to get the most EUR from Sweden.

Compare SEK to EUR transfer options

Cheapest way to send money to Monaco

The cheapest option for an SEK 80,000 transfer is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 7,201.78 EUR, which is 0.11% more than the next best option.

Fastest way to send money to Monaco

With Revolut, a bank transfer deposit and bank deposit payout delivers 7,140.12 EUR in within minutes.

Swish only works in Sweden

Swish moves money between participating Swedish accounts, it cannot send SEK to Monaco.

You may still use a Swedish bank transfer to pay for the transfer online, but beyond that, the company will move SEK to Monaco over local rails or SWIFT.

Avoid delays

A bank can ask for the purpose and source of a large or unusual payment.

Property sales, inheritances and transfers between your own accounts are easier to clear when the documents match the description you gave the bank.

Tell your bank before a time-sensitive payment and keep the sale contract, estate document or account statement ready.

And do not split one large payment into many small ones, since it can trigger more questions.

Sweden does not charge gift tax

Sweden has no gift or inheritance tax, so sending a cash gift does not create a Swedish gift-tax return.

Monaco may have their own rules on receiving monetary gifts.

How we analyse the market

We track 4 companies sending SEK to Monaco, all registered with Finansinspektionen or passported in, with rates refreshed in real time on live searches.

The krona floats, so we compare on what actually arrives, alongside fees and the ways to pay and collect.

In the past 30 days alone, we analysed 92 comparisons across 5 amounts.

This page covers the cheapest and fastest options for SEK/EUR transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Each goes through our review. More on who we are, why you can trust us and getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from Sweden

Send money to Monaco

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Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0883	–	€7,061.36
Regency FX Cheapest	0.0880	0,00 kr	€7,042.29	−€19.07
Wise	0.0883	325,99 kr	€7,032.41	−€28.95
Revolut	0.0880	700,00 kr	€6,980.37	−€80.99

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0883	–	€7,062.88
Regency FX Cheapest	0.0880	0,00 kr	€7,043.81	−€19.07
Wise	0.0883	325,99 kr	€7,033.31	−€29.57
Revolut	0.0880	700,00 kr	€6,981.39	−€81.49

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0882	–	€7,057.84
Regency FX Cheapest	0.0880	0,00 kr	€7,038.78	−€19.06
Wise	0.0882	325,99 kr	€7,027.60	−€30.24
Revolut	0.0880	700,00 kr	€6,974.75	−€83.09

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0885	–	€7,083.20
Regency FX Cheapest	0.0883	0,00 kr	€7,064.08	−€19.12
Wise	0.0885	325,99 kr	€7,054.35	−€28.85
Revolut	0.0883	700,00 kr	€7,002.37	−€80.83

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0885	–	€7,076.80
Regency FX Cheapest	0.0882	0,00 kr	€7,057.69	−€19.11
Wise	0.0885	325,99 kr	€7,051.76	−€25.04
Revolut	0.0882	1 500,00 kr	€6,922.37	−€154.43

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0887	–	€7,095.44
Regency FX Cheapest	0.0885	0,00 kr	€7,076.28	−€19.16
Wise	0.0887	325,99 kr	€7,067.28	−€28.16
Revolut	0.0885	700,00 kr	€7,015.35	−€80.09

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0888	–	€7,101.04
Regency FX Cheapest	0.0885	0,00 kr	€7,081.87	−€19.17
Wise	0.0888	325,99 kr	€7,072.10	−€28.94
Revolut	0.0885	700,00 kr	€7,019.65	−€81.39

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0888	–	€7,103.60
Regency FX Cheapest	0.0886	0,00 kr	€7,084.42	−€19.18
Wise	0.0888	325,99 kr	€7,075.84	−€27.76
Revolut	0.0886	700,00 kr	€7,024.03	−€79.57

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	0.0892	325,99 kr	€7,110.80	–
Revolut	0.0890	700,00 kr	€7,058.46	–
Regency FX No quote collected this day	–	–	–	–

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0895	–	€7,158.08
Regency FX Cheapest	0.0892	0,00 kr	€7,138.75	−€19.33
Wise	0.0895	325,99 kr	€7,128.32	−€29.76
Revolut	0.0892	700,00 kr	€7,075.92	−€82.16

Sat, 10 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0893	–	€7,140.64
Regency FX Cheapest	0.0890	0,00 kr	€7,121.36	−€19.28
Wise	0.0893	325,99 kr	€7,114.51	−€26.13
Revolut	0.0890	1 500,00 kr	€6,983.60	−€157.04

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0893	–	€7,142.40
Regency FX Cheapest	0.0890	0,00 kr	€7,123.12	−€19.28
Wise	0.0893	325,99 kr	€7,113.78	−€28.62
Revolut	0.0890	700,00 kr	€7,060.81	−€81.59

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0893	–	€7,144.08
Wise Cheapest	0.0893	325,99 kr	€7,114.64	−€29.44
Regency FX No quote collected this day	–	–	–	–
Revolut No quote collected this day	–	–	–	–

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0897	–	€7,175.92
Wise Cheapest	0.0897	325,99 kr	€7,146.16	−€29.76
Regency FX No quote collected this day	–	–	–	–
Revolut No quote collected this day	–	–	–	–

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0893	–	€7,145.28
Regency FX Cheapest	0.0891	0,00 kr	€7,125.99	−€19.29
Wise	0.0893	325,99 kr	€7,116.26	−€29.02
Revolut	0.0891	700,00 kr	€7,063.68	−€81.60

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0897	–	€7,178.56
Regency FX Cheapest	0.0895	0,00 kr	€7,159.18	−€19.38
Wise	0.0897	325,99 kr	€7,149.05	−€29.51
Revolut	0.0895	700,00 kr	€7,096.48	−€82.08

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0898	–	€7,182.16
Regency FX Cheapest	0.0895	0,00 kr	€7,162.77	−€19.39
Wise	0.0898	325,99 kr	€7,153.99	−€28.17
Revolut	0.0894	1 500,00 kr	€7,017.48	−€164.68

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0899	–	€7,189.84
Regency FX Cheapest	0.0896	0,00 kr	€7,170.43	−€19.41
Wise	0.0899	325,99 kr	€7,160.71	−€29.13
Revolut	0.0896	700,00 kr	€7,108.19	−€81.65

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0900	–	€7,198.00
Regency FX Cheapest	0.0897	0,00 kr	€7,178.57	−€19.43
Wise	0.0900	325,99 kr	€7,169.02	−€28.98
Revolut No quote collected this day	–	–	–	–

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0899	–	€7,193.52
Wise Cheapest	0.0899	325,99 kr	€7,165.57	−€27.95
Regency FX No quote collected this day	–	–	–	–
Revolut No quote collected this day	–	–	–	–

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0900	–	€7,199.84
Regency FX Cheapest	0.0898	0,00 kr	€7,180.40	−€19.44
Wise	0.0900	325,99 kr	€7,170.64	−€29.20
Revolut	0.0898	700,00 kr	€7,117.99	−€81.85

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0899	–	€7,195.60
Regency FX Cheapest	0.0897	0,00 kr	€7,176.17	−€19.43
Wise	0.0899	325,99 kr	€7,166.48	−€29.12
Revolut	0.0897	700,00 kr	€7,113.61	−€81.99

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0899	–	€7,190.40
Regency FX Cheapest	0.0896	0,00 kr	€7,170.99	−€19.41
Wise	0.0899	325,99 kr	€7,162.38	−€28.02
Revolut	0.0895	1 500,00 kr	€7,025.36	−€165.04

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0898	–	€7,185.52
Regency FX Cheapest	0.0896	0,00 kr	€7,166.12	−€19.40
Wise	0.0898	325,99 kr	€7,156.43	−€29.09
Revolut	0.0895	700,00 kr	€7,099.80	−€85.72

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0899	–	€7,195.52
Regency FX Cheapest	0.0897	0,00 kr	€7,176.09	−€19.43
Wise	0.0899	325,99 kr	€7,166.18	−€29.34
Revolut	0.0897	700,00 kr	€7,113.46	−€82.06

How to send money to Monaco from Sweden with the best SEK-EUR rate

Best companies for SEK/EUR transfers